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 Do you have life insurance or, is it wise to even have life insurance?
I don't have any life insurance. When I die, I want it to be a real ...


 Why is car insurance so expensive?
I have been driving for 4 years now and have just under 2 year no claims experience to my name. I am currently looking at buying a new vehicle, something with a bit of sport and speed, I am aiming ...


 Where did you buy your After Life Insuance and was the policy expensive?
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 Car accident with no police report but insurance information?
I go into a minor accident a few days ago. My car was not damage but he had a long stretch on the the left side of his car. I told him I was would pay for the damage. He agreed to not get out ...


 I fell off a ladder at work last week...... should i sue the scummy owner.......?
and claim how much......? if i do
Additional Details
i work for rupert murdoch........


 Saying "no" to the homeowners insurance agent?
I recently bought my first house and have a question about the insurance. When we first got the policy, it had a value for the home about $30,000 more than what it was worth (which is $66,000) But ...


 Health insurance question?
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 Do I need both term life insurance and universal life insurance?
My Statefarm rep is suggesting I transfer my 5 year term insurance (which is over at the end of July) to two different life insurances - a 20 year term insurance and a universal life insurance policy ...


 Life insurance?
I would like to get life insurance, I am single, going to be 23 years old, I dont need anything major but i would like enough to pay off all of my bills and student loans, if something should happen. ...


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 I need insurance for salad dressing?
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 I am 30, and took out a life insurance policy on myself...?
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 Does life insurance usually cover your mortage payments when you die?
...


 Which is the best Life policy in the market.?
Want to take any life policy which has good return also....


 How come people drive without insurance?
how come you hear about people driving without car insurance?

surely they cant have a tax disc either?...


 I want to buy a life insurance policy,which company would be better?
THERE ARE MANY INSURANCE COS. DOING BUISSNESS IN THE COUNTRY,ANY CLEAR CUT ADVANTAGES FROM ANY COMPANY?...


 What type of Life Insurance should my husband and I get. We are both 23 and just purchased a home.?
My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens to ...


 How much can I expect my car insurance to rise if my wife had a $1300 fender bender with another vehicle?
...


 Should I pay an employee who has stolen from me?
If an employee stole from me dose that employee have the right to be ...


 Car Insurance/homeowners insurance?
Is Response Insurance a good company? I'm looking to lower my current rates with American Family. Response gave me some really good rate quotes....



Jared L
Can a condo association force its owners to remove barbeque pits from their balconies?
I own a condo in Louisiana. I was recently informed by the office manager that all the owners may be forced to remove their barbeque pits from their balconies due to insurance requirements. There was no rule against this when I moved in. Is this legal? Do they have the right to tell me what I can and cannot put on my balcony?
                     
 




Fantasy
More than likely it is legal. There are quite a few laws in apartments (especially complexes) concerning barbecue grills and pits, they pose a fire hazard.


true blue
You need to read the bilaws, every owner is given a copy at closing. In short, if it's in there they can. You sign them and agree to abide by them, whatever the rules may be.


Kendra J
Yes, this has become an issue recently with insurance because of the fire hazard. Some people are careless with lighter fluid and catching wood on fire and then burning down entire complexes because of this.


thestara
I believe it's a fire code issue.


apreston60
Rating
It really depends on the bylaws in your CCR documents and what association rules your homeowner association has, I would read through those documents to see where you stand. Some Condominium associations are run like a dictatorship that makes up subjective rules as they go along, also ask to see the written rule for your self.


answerman
Rating
Unfotunately, I beleive the answer will be yes. I live in PA, and my condo association is the same way. 1st floor can have grills and BBQ's, but the 2nd floor units are not permitted to have them.


rangerbaldwin
If they have to enforce a fire code, then they do. If they risk losing their insurance/your insurance that's not a good thing and obviously telling the ins. co. they didn't know better was not good enough. With the law, ignorance counts for nothing. Better safe than sorry.

I live in Maryland, so different law, but when I had an apartment, the closest a BBQ grill could be to the building was 50 ft. Also some condos around here have BBQ areas with those crummy grills pre-set up.


Nancy Kay
Yes they can, if it is needed to obtain the requisite property and liability insurance for the owners and the association. The association's absolute duty to provide and maintain that insurance coverage outweighs your previously unrestricted right to use your balcony space any way you wish (or as permitted by the previously existing rules).


wizjp
Rating
Owner's association's have a lot of leeway depending on the language of the specific terms of the agreement. Look it over for any language that indicates they have the right to enforce changes to keep your property safe and insurable.


blb
Rating
I used to do marketing for large commerical account which means finding large businesses insurance. There are fewer insurance companies out there that want to insure residential type of properties because of all of the claims. One of the big claims is fire from grills. People leave them on and don't worry about them. With every association I wrote, one of the rules that the condo association had to enforce was no grills on the balconies or patios. Usually they have a distance from the building before grilling is allowed. It is an inconvenience for you but it is the difference between getting insurance for the building or going without.


Sue F
Yes, the condo association has a right to govern what you can and cannot put anywhere on your premises. The condos can be refused insurance coverage if the occupants are using any fire increasing items on their property.

If the association is refused insurance coverage, the buildings have to be evacuated. This is separate insurance from what you have to carry for coverage of your own belongings.

When you use a BBQ pit, it is only common sense that you should not be using it on a balcony and that it would be a fire hazard.


Allen L
Rating
I am afraid they can tell you to remove the barbecue from your balconies
In today's age of liability -and senseless people (not you) company's have to cover their butts
Even though you have lived there before this rule came into effect -they can and will make this happen
Hopefully they will set-up a barbecue area for occupants downstairs and outside


mikem33607
in most municipalities, it is against the law to have a charcoal or propane grill on the porch or balcony of a multi-unit dwelling (electric grills are legal)


Matt1331
Rating
Well you could always leave the BBQ pits and just not buy insurance...which wouldn't be a great idea.

There may be local ordinance / law that is requiring this and not insurance. If it is actually an insurance company that is forcing the removal of the BBQ pits just make sure the people in charge at the association are getting quotes from multiple companies and maybe one of the companies that quotes won't force the removal of the pits, but that's doubtful...especially in Louisiana where I'm sure the insurance market isn't very soft you might not have a lot of options.


bubuane2000
Rating
They sure can, trust me I am going through the same thing right now, and mine is a foreman electric grill. Can you believe.
If the insurance company will not insure you if the place burns down, than I think you should obey!


PS. I even received a bill for a box that I left outside my entrance door for 4 days. I was suppose to bring it to the dumpster and break it down. 100$ the bill was sent with a picture of my door showing the unit number with the box. It's ridiculous. Just make sure you let them know when you are unhappy about something!


mbrcatz
Rating
Well, what happens is that the association membership has to choose between 1. being able to insure the building or 2. changing the bylaws to disallow BBQ pits. I dare say, mostly everyone would rather eliminate the BBQ pits than NOT INSURE THE BUILDING. So, when this comes up to vote, the bylaws will be changed, and you'll have to move the pit.

Ah, the glories of condo ownership.


Charles Dexter Ward
Yes, because grills on balconies pose a fire hazard. Your condo wouldn't be able to get coverage if they allowed tenants to bbq on the balcony.

I know it sucks but that's how it is. I hate our Home Owners Association.


jojo
Rating
yes only if it's not propane been there done that those bastads!!!


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